Hi Gordon nothing on either. The way I understand it is we can get a new car when the 3 year period is up by trading in our current one.Hi,
What (if anything) is owed on the foreign property?
What sort of balloon payment is due at the end of the PCP period?
Gordon
You need to look into this as you don't seem to understand how PCP works.The way I understand it is we can get a new car when the 3 year period is up by trading in our current one.
The way I understand it is we can get a new car when the 3 year period is up by trading in our current one.
You need to look into this as you don't seem to understand how PCP works.
You either:
hand the car back, and walk away,
Pay the residual to own the car,
Or trade it in and be on a cycle of repayments indefinitely. It's likely you will need to add significant cash to make up your deposit next time around.
We never seem to have anything left at the end of the month.
Childminder in your house is an employee and needs to be paid minimum wage + employer PRSI and is entitled to standard holidays etc.We would intend to get a childminder when we have 2 kids which will hopefully be about 30% cheaper than 2 creche payments.
@senansmam
As said above you have 4200 a month after childcare and mortgage at the moment. This is 50k a year.
If you are planning to pay 300 euro a month for eternity to have access to a new car every 3 years, this needs to be factored into the any budget.
In order to save more, people in general have two options - earn more or spend less.There is not a financial engineering solution to overspending. You just have to cut your spending.
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